The numbers behind Medicare in McCulloch County
| McCulloch County | Texas | |
|---|---|---|
| Residents age 65 and older | 1,844 | 4,188,063 statewide |
| Share of residents age 65+ | 24.7% | 13.7% statewide |
| People with Medicare | 2,298 | 5,048,909 statewide |
| Enrolled in Medicare Advantage | 906 | 2,770,279 statewide |
| Medicare Advantage share | 39.4% | 54.9% statewide |
Figures come from the Census Bureau and CMS (September 2026).
With roughly 1,844 residents age 65 and older, McCulloch County is 169th among 254 Texas counties for older residents. That group is 24.7% of its population, compared with 13.7% across Texas. The 524 residents now between 60 and 64 will become Medicare-eligible soon, and our turning 65 guide walks through it. Census 2023 estimates show 57% of the 65-plus population is under 75, 34% is 75 to 84 and 9% is 85 or older. CMS data show 39.4% of McCulloch County residents with Medicare chose Medicare Advantage, which is lower than the 54.9% average across Texas. Averages cannot choose a plan for you. Medicare Advantage and Original Medicare with a Medigap plan each suit different people, depending on doctors, medicines and how you prefer to handle costs, and we compare both at your ZIP code.
Who has Medicare in McCulloch County
The USDA classifies McCulloch County as: urban population of fewer than 5,000, not adjacent to a metro area. With fewer hospitals and clinics close by, the right Medicare plan here is often the one whose network includes the providers you can really reach.
CMS counts 2,365 Medicare beneficiaries in McCulloch County (2023). Their average age is 73, about the same as the Texas average of 73. About 15% are “dual eligible,” meaning they have both Medicare and Medicaid, higher than the state figure of 11%. Where many people have both, special plans for dual-eligible members can matter; see our Medicaid and dual eligible guide, since availability varies by plan and area.
Among people in Original Medicare in McCulloch County, CMS reported about 773 emergency room visits and 230 inpatient hospital stays per 1,000 beneficiaries in 2023, which is higher than the state average for emergency visits (580) and close to it for hospital stays (226). About 11% received home health care. These figures describe how people use care under Original Medicare; they do not show what any plan covers or costs.
Sources: CMS Medicare Geographic Variation, 2023; USDA Rural-Urban Continuum Codes, 2023.
Where you live decides which Medicare Advantage and Part D plans you can join, and McCulloch County may have a different set of plans than the counties around it. We are not based in McCulloch County; we help McCulloch County residents by phone or video call.
Hospitals located in McCulloch County
The Centers for Medicare & Medicaid Services (CMS) lists this hospital in McCulloch County:
- Heart of Texas Memorial Hospital — Brady (critical access; nonprofit; emergency services)
A hospital being in the county does not mean every plan covers it. Medicare Advantage networks differ by plan, so we check the hospitals and doctors you actually use before you enroll. Ratings are CMS Care Compare overall hospital star ratings; they describe the hospital, not whether a plan covers it. Source: CMS Hospital General Information.
McCulloch County: communities and ZIP codes
The largest communities in McCulloch County by 2023 Census population estimates are Brady (4,965), Melvin (123). Each figure counts only the people living inside the county.
Census ZIP Code Tabulation Areas mostly within McCulloch County number 5: 76825, 76836, 76852, 76872, 76887. Your exact ZIP code is what decides which plans you can join.
Questions about Medicare in McCulloch County?
Reach out to us: fill out our short form or call (571) 354-0146, and a licensed agent will compare the plans available to you, check your doctors and drugs, and stay with you each year at renewal. For general Medicare information, the federal helpline is 1-800-MEDICARE (1-800-633-4227).
Medicare resources from official sources
- Medicare Plan Finder on Medicare.gov, searchable by ZIP code.
- HealthCare.gov if you are not yet on Medicare.
- Medicare Care Compare for hospitals and doctors.
- Social Security: Medicare to enroll or check status.
- Texas Department of Insurance: Texas’s insurance regulator, including agent license lookup.
Coverage we offer McCulloch County residents
As an independent agency we are not tied to one insurer, so for McCulloch County residents we can compare ICHRA, group health insurance, life insurance, final expense insurance, annuities, Medicare Advantage, Medicare Supplement (Medigap), Part D drug plans and ACA health insurance.
Let’s check your McCulloch County options together
We confirm your doctors and prescriptions before you enroll, at no cost to you.
Get my plan comparisonRead next
- Do you really need a Medicare agent?
- Medicare Parts A, B, C and D explained
- What happens if you do nothing during open enrollment?
- Can I change my Medicare plan after December 7?
McCulloch County compared with similar Texas counties
| County | Residents 65+ | Medicare Advantage share | Dual eligible share | Area type |
|---|---|---|---|---|
| Duval County | 1,694 | 69.0% | 35% | Rural |
| Coleman County | 1,998 | 30.8% | 16% | Rural |
| Somervell County | 2,017 | 47.6% | 8% | Rural |
| Runnels County | 2,078 | 31.0% | 13% | Rural |
| San Augustine County | 2,096 | 48.4% | 16% | Rural |
| Madison County | 2,139 | 53.3% | 13% | Rural |
See every Texas county in our Texas directory or go to our Texas Medicare hub.